Behavior dependent insurance

ABSTRACT

A method for personalizing a per ride insurance rate which comprises receiving a current insurance rate per distance unit calculated based on a user profile of at least one of the driver and the vehicle, identifying an initiation of the ride with the vehicle by the driver, calculating driving behavior parameters reflecting driver behavior during the ride according to outputs of at least one driving parameter sensor mounted in the vehicle during the ride, identifying a termination of the ride, calculating an insurance cost for the ride according to a distance accumulated during the ride and the current insurance rate per distance unit, calculating an update to the current insurance rate per distance unit according to the driving behavior parameters, and presenting the update and the insurance cost on a display of the client terminal to the driver in the vehicle in response to the detection of the termination.

BACKGROUND

The present invention, in some embodiments thereof, relates to insuranceand, more specifically, but not exclusively, to dynamic insurancemanagement.

Conventional methods for determining costs of insurance involveclassification of driver, vehicle, type of cargo and type of operationinto broad actuarial classes for which the expected insurance cost canbe predicted with reasonable accuracy based on the empirical experienceof the insurer. The basic costs determined by the actuarialclassification can be further adjusted by discounts and surcharges. Thediscounts and surcharges are a form of refinement of the classification.The choice of characteristics which will be used to determine the basiccost and which to determine the surcharges and discounts is subjectiveand to a degree arbitrary.

The more recently suggested methods address the mentioned weaknesses ofthe conventional automobile insurance pricing by collecting data onvehicle movement from on-board Global Positioning Systems or otheron-board devices. The collected information is processed andsubsequently communicated to the insurer who periodically adjusts theinsurance cost based on the communicated information.

SUMMARY

According to some embodiments of the present invention, there isprovided a method for personalizing a per ride insurance rate,comprising: performing the following by a module executed by a processorof a client terminal located in a vehicle driven by a driver: receivinga current insurance rate per distance unit calculated based on a userprofile of at least one of the driver and the vehicle, identifying aninitiation of the ride with the vehicle by the driver, calculating aplurality of driving behavior parameters reflecting driver behaviorduring the ride according to outputs of at least one driving parametersensor mounted in the vehicle during the ride, identifying a terminationof the ride, calculating an insurance cost for the ride according to adistance accumulated during the ride and the current insurance rate perdistance unit, calculating an update to the current insurance rate perdistance unit according to the plurality of driving behavior parameters,and presenting the update and the insurance cost on a display of theclient terminal to the driver in the vehicle in response to thedetection of the termination.

Optionally, the plurality of driving behavior parameters comprises aspeed compliance calculated based on an analysis of velocity datagathered during the ride.

Optionally, the at least one driving parameter sensor comprises aplurality of driving parameter sensors; wherein the plurality of drivingbehavior parameters comprises a adaptation of the driving to roadconditions calculated based on an analysis of a correlation between ofoutputs of the plurality of driving parameter sensors.

Optionally, the plurality of driving behavior parameters comprises areaction time calculated based on an analysis of image data gatheredduring the ride from the at least one driving parameter sensor.

Optionally, the at least one driving parameter sensor comprises apassenger compartment camera which images at least part of the passengercompartment space; wherein the plurality of driving behavior parameterscomprises at least one of a mirrors check frequency, shifting a roadgaze frequency, and a blind spot check frequency calculated based on ananalysis of image data during the ride from the passenger compartmentcamera.

Optionally, the plurality of driving behavior parameters comprises atleast one recorded driving behavior report documenting a vehicle drivingviolation during the ride, the at least one recorded driving behaviorreport being uploaded by at least one of a another driver and a lawenforcement system.

Optionally, the at least one driving parameter sensor comprises a frontcamera which images the space in front and/or back of the vehicle;wherein the at least one driving parameter sensor comprises a stoppingroom average calculated based on an analysis of image data during theride from the front camera.

Optionally, the at least one driving parameter sensor comprises a frontcamera which images the space in front of the vehicle; wherein the atleast one driving parameter sensor comprises at least one of a lanecompliance and a sign compliance calculated based on an analysis ofimage data during the ride from the front camera.

Optionally, the at least one driving parameter sensor is selected from agroup consisting of an accelerometer, an image sensor, a magnetometer, anavigation system, an external insurance policy enforcement device, anda safety belt compliance sensor.

Optionally, the client terminal is a Smartphone set to be mounted in thevehicle during the ride.

Optionally, the client terminal is a subsystem of the vehicle.

Optionally, the current insurance rate per distance unit is receivedover a network from a central unit; further comprising sending theupdate to the central unit for updating the current insurance rate perdistance unit.

Optionally, identifying the initiation and identifying the terminationis performed by detecting a presence or an absence of wireless signalfrom an accessory of the client terminal.

Optionally, identifying the initiation and identifying the terminationis performed by detecting a pairing between an accessory of the clientterminal and the client terminal.

Optionally, the method further comprises calculating a ride cost for theride based on a combination of the insurance cost and at least one ofgasoline consuming data and value lost for the vehicle estimation;wherein the presenting comprises presenting the ride cost.

Optionally, the calculating an update is performed based on roadcondition parameters which are associated with the condition of at leastone road driven during the ride.

Optionally, the calculating an update is performed based onenvironmental parameters reflecting environment condition during theride at least one road driven during the ride.

Optionally, the method further comprises generating a report whichdetails the insurance with a plurality of characterizing features of theride as a row in a table.

According to some embodiments of the present invention, there isprovided a method for presenting insurance data. The method comprisesperforming the following by a module executed by a processor of a clientterminal located in a vehicle driven by a driver: identifying aninitiation of a ride with a vehicle driven a driver, gathering aplurality of driving parameter sensor parameters from at least onedriving parameter sensor mounted in the vehicle during the ride,calculating a plurality of driving behavior parameters reflecting adriver behavior during the ride according to an analysis of theplurality of driving parameter sensor parameters, identifying atermination of the ride, automatically calculating an update to aninsurance rate set for at least one of the driver and the vehicle basedon the plurality of driving behavior parameters, and presenting theupdate to the driver in a display in the vehicle in response to thedetection of the termination.

According to some embodiments of the present invention, there isprovided a system for personalizing a per ride insurance rate. Thesystem comprises a database which hosts a plurality of user records,each one of the plurality of user records documents a current insurancerate per distance unit calculated for at least one of a driver and avehicle, a client module executed on a client terminal for identifyingan initiation and a termination of a ride with the vehicle by the driverand for gathering outputs of at least one driving parameter sensormounted in the vehicle during the ride, a rate calculation moduleconfigured to calculate a plurality of driving behavior parametersreflecting driver behavior during the ride according to the outputs andconfigured to calculate an insurance cost for the ride according to adistance accumulated during the ride and the current insurance rate perdistance unit. The rate calculation module is configured to calculate anupdate to the current insurance rate per distance unit according to theplurality of driving behavior parameters. The client module isconfigured to instruct a display of the client terminal to present theupdate and the insurance cost to the driver in the vehicle in responseto the detection of the termination.

Unless otherwise defined, all technical and/or scientific terms usedherein have the same meaning as commonly understood by one of ordinaryskill in the art to which the invention pertains. Although methods andmaterials similar or equivalent to those described herein can be used inthe practice or testing of embodiments of the invention, exemplarymethods and/or materials are described below. In case of conflict, thepatent specification, including definitions, will control. In addition,the materials, methods, and examples are illustrative only and are notintended to be necessarily limiting.

BRIEF DESCRIPTION OF THE SEVERAL VIEWS OF THE DRAWINGS

Some embodiments of the invention are herein described, by way ofexample only, with reference to the accompanying drawings. With specificreference now to the drawings in detail, it is stressed that theparticulars shown are by way of example and for purposes of illustrativediscussion of embodiments of the invention. In this regard, thedescription taken with the drawings makes apparent to those skilled inthe art how embodiments of the invention may be practiced.

In the drawings:

FIG. 1 is a method of generating and presenting a real time indicationfor updates and/or changes in a dynamic insurance policy of a driverwhen a termination of a ride to which the insurance policy has beenapplied to is detected, according to some embodiments of the presentinvention;

FIG. 2 is a schematic illustration of a system which manages a pluralityof dynamic insurance policies for supporting real time updates ofperiodical insurances or ride insurances, according to some embodimentsof the present invention;

FIGS. 3A and 3B are screenshots of a display of a current insurance ratebefore a ride is detected, according to some embodiments of the presentinvention;

FIG. 4 is a flowchart of a method personalizing a rate per distance unitinsurance based on driving behavior parameters of a driver during a rideand presenting the insurance personalization outcome to the driverimmediately when the ride is over, according to some embodiments of thepresent invention;

FIGS. 5A and 5B are screenshots of exemplary presentations of theinsurance cost for the ride, according to some embodiments of thepresent invention;

FIG. 6 is a screenshot of an exemplary report that details insurancecost per ride, according to some embodiments of the present invention;and

FIGS. 7A-7D which are screenshots of a GUI, according to someembodiments of the present invention.

DETAILED DESCRIPTION

The present invention, in some embodiments thereof, relates to insuranceand, more specifically, but not exclusively, to dynamic insurancemanagement.

According to some embodiments of the present invention, there areprovided methods and system for calculating the financial effect of thedriving behavior of a driver during a ride on his insurance policy andpresenting the financial effect to the driver immediately when the rideis over. The insurance policy may be a vehicle insurance policy, a lifeinsurance policy, a third party insurance policy, and/or any combinationthereof.

Optionally, a client module installed a client terminal may be used forgathering outputs of sensors which are located in the vehicle, such asaccelerometers, image sensors and to analyze them in order to calculatedriving behavior parameters which are indicative of driving ability(i.e. skills), driving habits, and driving routine as well as the riskthe driver poses to himself and others. The driving behavior parametersare used for updating the insurance cost of driver or the vehicle forthe updating rides, for example a per distance unit rate or a per rideunit rate.

According to some embodiments of the present invention, the insurancepolicy update is supported by a central unit that gathers data on aplurality of users and insurance policies.

The methods and systems provide a mechanism that encourages the driverto improve driving behavior parameters such as sign and lane compliance,stopping room average, adaptation to road conditions and/or the like byproviding him with an immediate feedback to his driving behavior withoutdestructing him during driving.

Before explaining at least one embodiment of the invention in detail, itis to be understood that the invention is not necessarily limited in itsapplication to the details of construction and the arrangement of thecomponents and/or methods set forth in the following description and/orillustrated in the drawings and/or the Examples. The invention iscapable of other embodiments or of being practiced or carried out invarious ways.

The present invention may be a system, a method, and/or a computerprogram product. The computer program product may include a computerreadable storage medium (or media) having computer readable programinstructions thereon for causing a processor to carry out aspects of thepresent invention.

The computer readable storage medium can be a tangible device that canretain and store instructions for use by an instruction executiondevice. The computer readable storage medium may be, for example, but isnot limited to, an electronic storage device, a magnetic storage device,an optical storage device, an electromagnetic storage device, asemiconductor storage device, or any suitable combination of theforegoing. A non-exhaustive list of more specific examples of thecomputer readable storage medium includes the following: a portablecomputer diskette, a hard disk, a random access memory (RAM), aread-only memory (ROM), an erasable programmable read-only memory (EPROMor Flash memory), a static random access memory (SRAM), a portablecompact disc read-only memory (CD-ROM), a digital versatile disk (DVD),a memory stick, a floppy disk, a mechanically encoded device such aspunch-cards or raised structures in a groove having instructionsrecorded thereon, and any suitable combination of the foregoing. Acomputer readable storage medium, as used herein, is not to be construedas being transitory signals per se, such as radio waves or other freelypropagating electromagnetic waves, electromagnetic waves propagatingthrough a waveguide or other transmission media (e.g., light pulsespassing through a fiber-optic cable), or electrical signals transmittedthrough a wire.

Computer readable program instructions described herein can bedownloaded to respective computing/processing devices from a computerreadable storage medium or to an external computer or external storagedevice via a network, for example, the Internet, a local area network, awide area network and/or a wireless network. The network may comprisecopper transmission cables, optical transmission fibers, wirelesstransmission, routers, firewalls, switches, gateway computers and/oredge servers. A network adapter card or network interface in eachcomputing/processing device receives computer readable programinstructions from the network and forwards the computer readable programinstructions for storage in a computer readable storage medium withinthe respective computing/processing device.

Computer readable program instructions for carrying out operations ofthe present invention may be assembler instructions,instruction-set-architecture (ISA) instructions, machine instructions,machine dependent instructions, microcode, firmware instructions,state-setting data, or either source code or object code written in anycombination of one or more programming languages, including an objectoriented programming language such as Smalltalk, C++ or the like, andconventional procedural programming languages, such as the “C”programming language or similar programming languages. The computerreadable program instructions may execute entirely on the user'scomputer, partly on the user's computer, as a stand-alone softwarepackage, partly on the user's computer and partly on a remote computeror entirely on the remote computer or server. In the latter scenario,the remote computer may be connected to the user's computer through anytype of network, including a local area network (LAN) or a wide areanetwork (WAN), or the connection may be made to an external computer(for example, through the Internet using an Internet Service Provider).In some embodiments, electronic circuitry including, for example,programmable logic circuitry, field-programmable gate arrays (FPGA), orprogrammable logic arrays (PLA) may execute the computer readableprogram instructions by utilizing state information of the computerreadable program instructions to personalize the electronic circuitry,in order to perform aspects of the present invention.

Aspects of the present invention are described herein with reference toflowchart illustrations and/or block diagrams of methods, apparatus(systems), and computer program products according to embodiments of theinvention. It will be understood that each block of the flowchartillustrations and/or block diagrams, and combinations of blocks in theflowchart illustrations and/or block diagrams, can be implemented bycomputer readable program instructions.

These computer readable program instructions may be provided to aprocessor of a general purpose computer, special purpose computer, orother programmable data processing apparatus to produce a machine, suchthat the instructions, which execute via the processor of the computeror other programmable data processing apparatus, create means forimplementing the functions/acts specified in the flowchart and/or blockdiagram block or blocks. These computer readable program instructionsmay also be stored in a computer readable storage medium that can directa computer, a programmable data processing apparatus, and/or otherdevices to function in a particular manner, such that the computerreadable storage medium having instructions stored therein comprises anarticle of manufacture including instructions which implement aspects ofthe function/act specified in the flowchart and/or block diagram blockor blocks.

The computer readable program instructions may also be loaded onto acomputer, other programmable data processing apparatus, or other deviceto cause a series of operational steps to be performed on the computer,other programmable apparatus or other device to produce a computerimplemented process, such that the instructions which execute on thecomputer, other programmable apparatus, or other device implement thefunctions/acts specified in the flowchart and/or block diagram block orblocks.

The flowchart and block diagrams in the Figures illustrate thearchitecture, functionality, and operation of possible implementationsof systems, methods, and computer program products according to variousembodiments of the present invention. In this regard, each block in theflowchart or block diagrams may represent a module, segment, or portionof instructions, which comprises one or more executable instructions forimplementing the specified logical function(s). In some alternativeimplementations, the functions noted in the block may occur out of theorder noted in the figures. For example, two blocks shown in successionmay, in fact, be executed substantially concurrently, or the blocks maysometimes be executed in the reverse order, depending upon thefunctionality involved. It will also be noted that each block of theblock diagrams and/or flowchart illustration, and combinations of blocksin the block diagrams and/or flowchart illustration, can be implementedby special purpose hardware-based systems that perform the specifiedfunctions or acts or carry out combinations of special purpose hardwareand computer instructions.

Reference is now made to FIG. 1, which is a method 100 of generating andpresenting a real time indication for updates and/or changes in adynamic insurance policy of a driver or a vehicle when a termination ofa ride to which the insurance policy has been applied to is detected,according to some embodiments of the present invention. As used herein,a ride means traveling with a vehicle from one location to another whenthe driver does not go out of the vehicle during the traveling. Theinsurance policy may be a vehicle insurance policy, a life insurancepolicy, a third party insurance policy, and/or any combination thereof.

Reference is also made to FIG. 2, which is a schematic illustration of asystem 200 which manages a plurality of dynamic insurance policies forsupporting real time updates of periodical insurances or rideinsurances, such as per-ride insurances, based on at least driverbehavior and the presentation of the real time updates to drivers,according to some embodiments of the present invention.

The system 200 includes a central unit 201 for conducting insurancepolicy updates based on data received from a plurality of client modules202 which are installed in a plurality of client terminals 203. Thecentral unit 201 may be implemented using one or more servers and/or oneor more virtual machines and connected to a network 205 such as theinternet. A client terminal 203 may be a Smartphone, a tablet, aninfotainment system, a computer based wearable device, a laptop and/orany computer based device connected to the central unit 201 via acommunication network 205, such as the internet. A client module 202 maybe an application such as an app store, an operating system application,and/or a preinstalled application.

In some embodiments, the client terminal 203 is part of the infotainmentsystem of a vehicle or any other processor based subsystem integratedphysically and/or electronically with the vehicle subsystems. The clientterminal 203 includes or connected to a display 207, such as a dashboarddisplay unit or windshield display unit which presents insurance policydata and updates, for instance as calculated above. In some embodiments,the client terminal 203 is a handheld device, such as a Smartphone,which is set to be mounted on a mount physically connected to thevehicle. In such embodiment, some or all of the driving parametersensors which are described below are integrated into the clientterminal 203.

Optionally, the client terminal 203 includes or connected to one or moredriving parameter sensors, such as accelerometers, image sensors,magnetometers, a navigation system, such as a global positioning system(GPS), safety belt compliance sensor, and/or the like (not shown). Thedriving parameter sensors are controlled to record ride data that islater processed, either locally or by a respective client module 202 orremotely at an analysis module executed by the central unit 201. Theprocessing of the outputs of the driving parameter sensors allowscalculating and scoring driving behavior parameters and/or a combinationof driving behavior parameters which are relate to a certain driver. Adriving behavior parameter may be a driving event indicative of drivingbehavior pattern, for example any of the driving behavior parametersdescribed herein forth. The driving behavior parameters may be any ofthe following:

-   -   Adaptation of the driving to the road conditions, such as        bumpiness, traffic, visibility and/or the like. Such adaptation        is calculated according to a correlation between of outputs of        the plurality of driving parameter sensors, for example a        correlation between image data reflecting the road and velocity        or torque measured during the ride. For example, the road        conditions may be determined based on image processing of a        front camera that images the road in combination with other        driving parameters, such as velocity or torques as acquired from        navigation service or unit and one or more accelerometers,        optionally in combination with time of the day, map data, and        the like. Accelerometer data may be used for determining road        conditions and matched with velocity data. Weather data,        navigation data and/or map data may be used for extracting        relevant road conditions, such as traffic and visibility.        Statistical data regarding accidents in certain roads may also        be used.    -   Reaction time, for example based on image processing of a front        camera that images the cars in front of the driven vehicle in        combination with other driving parameters, such as speed.    -   Safety belt compliance, for example based on image analysis of a        passenger compartment camera or integral car sensors.    -   Mirrors Check frequency, for example from an analysis of image        data gathered from a passenger compartment camera located to        image the passenger compartment, either as part of the client        terminal or physically separated therefrom.    -   Blind spot check frequency, for example from an analysis of        image data gathered from a passenger compartment camera located        to image the passenger compartment, either as part of the client        terminal or physically separated therefrom.    -   Road gaze check, for instance the amount of time the driver does        not look at the road while driving in relation to the driving        period (e.g. after reducing stopping periods, such as traffic        light periods), for example from an analysis of image data        gathered from a passenger compartment camera located to image        the passenger compartment, either as part of the client terminal        or physically separated therefrom. The road gaze check may be        averaged based on the driving period and/or correlated with road        and/or velocity parameters.    -   Awareness and/or tiredness check, example based on image        analysis of pupil focus extracted from image data gathered from        a passenger compartment camera located to image the passenger        compartment. The awareness and/or tiredness check may be        averaged based on the driving period and/or correlated with road        and/or velocity parameters.    -   Stopping room average, for example based on distance kept from        vehicle(s) in front based on image processing of image data from        a front camera that images the vehicles in front of the driven        vehicle.    -   Lane compliance, for example based on image processing of image        data from a front camera that images the cars in front of the        driven vehicle.    -   Acceleration data, for example from an analysis of one or more        accelerometers. For example, acceleration, braking and cornering        data is combined with GPS location and compared with other        drivers' data for the GPS location to deduce driving behavior.    -   Velocity data, for example from an analysis navigation module        outputs. The velocity data may include adaptation of the        velocity of the vehicle to the road parameters recorded at the        time the velocity is measured. In another example speed limit        compliance is determined based on a correlation between data        from a navigation module, velocity data which may be extracted        from the car subsystem during the ride, and permitted velocity        data extracted from map data. In such embodiments, the driving        behavior parameter is determined according to the level of        adaptation of the driving velocity of the driver to the road        parameters. For instance, velocity may be correlated with a        curve level as extracted from navigation data or a gyroscope.    -   Sign compliance, for example based on image processing of images        which image traffic lights, signs, and the like and the reaction        of the vehicle to the signs. The images may be captured using a        front camera that images the cars in front of the driven        vehicle.    -   Noise level, for example based on audio processing of data        gathered from a passenger compartment microphone located to        record sounds at the passenger compartment, for example the        microphone of a client terminal. The noise level may be averaged        based on the driving period and/or correlated with road and/or        velocity parameters.    -   Driver behavior reports, for example one or more recorded social        reaction or reporting uploaded by another driver(s) or by law        enforcement systems. For example, violation reports which are        received for the respective vehicle from mobile communication        devices of other drivers during the ride. These violation        reports may be indicative of a traffic violation made by the        vehicle and may indicate a category of the vehicle as a rogue        vehicle.    -   Driver calmness, a parameter calculated based on one or more        vehicle sensor readings such as speed, speed changing frequency,        lane changing frequency, and/or the like. The Driver calmness        calculation may take into account reading of a microphone or a        camera that record sound and/or movement in the passenger        compartment. These readings are optionally analyzed to determine        calmness level of the driver, for example as known in the art.    -   Driving smoothness (quality of the smoothness of the ride), a        parameter calculated based on one or more vehicle sensor        readings such as speed, speed changing frequency, lane changing        frequency, and/or the like.    -   Driving anticipation (quality of the avoidance of the driver        from hazards), a parameter calculated based on one or more        vehicle sensor readings such as braking intensity, speed        changing frequency, lane changing frequency, and/or the like.

According to some embodiments of the present invention, the implicationsof a driving event on the insurance cost for the ride and/or for futureride is automatically presented to the user after the driving event isdetected, for instance as an icon or a text message indicating of apenalty.

The central unit 201 has access to a plurality of insurance policiesdocumented in a plurality of user profiles, also referred to as userrecords, which are stored in a local or remote database 206, 217. Eachinsurance policy optionally defines a current insurance rate for theuser, for example periodical insurance rate and/or per-ride insurancerate; historical driving and accident data, for example claim historyacquired from insurance company databases; history of one or moredriving behavior parameters in previous rides; an insurance balance orremaining period calculated according to the current insurance rate,and/or the like. Optionally, the client modules 202 upload the sensorparameters and/or the driving behavior parameters and/or drivingbehavior parameters ride rating(s) and/or score(s) per-ride. In suchembodiments, the user records may include data that reflects changes inthe driving behavior of the respective user and/or use for statisticalanalysis. Optionally, historical data recorded in the user recordsallows scoring the accident tendency of a driver based on an average ofprevious ride rating(s) and/or scores or recorded performances inprevious rides.

Optionally, the weight given to a recorded ride score is weightedrelatively to the distance driven in that ride. Additionally oralternatively, the score is reduced or increased according to recordedoffences or lack of recorded offences. The offences may be identifiedfrom an analysis of the claims, an analysis of the above drivingbehavior parameters as recoded in the user profile.

First, as shown at 101, an initiation of a ride with a vehicle driven adriver is identified, for example by the client module. For instance,the client module uses a GPS location change, a notification regardingignition from a vehicle subsystem, and/or a user interface input from auser to determine the initiation of the ride.

Optionally, a graphical user interface (GUI) that includes an initiationbutton and a personalized insurance rate, for instance a current rateper distance unit, for instance as depicted in FIGS. 3A and 3B, ispresented on the display 207. The GUI allows the user to indicate a rideinitiation, for instance by a press of a button.

Optionally initiation (and/or ride termination as described below) isdetected based on an analysis of vehicle accessories. For example, thedetection is based on an output of a Driver Assistance System, forexample Mobileye™ and DISTRONIC PLUS™. In another example, the playingof music at the vehicle and/or the detection of driving sounds, forexample by sound pattern analysis is used for determining rideinitiation event(s) and/or ride termination event(s).

As described above, the client terminal may be a Smartphone or awearable device. In such embodiments, the detection of ride initiationand/or ride termination events may be based on the detection of apairing or a depairing of a wireless connection between a DriverAssistance System and the client terminal 203. The wireless connectionmay be a Bluetooth connection, a Wi-Fi connection, an NFC connection,and/or the like. Optionally, a wired connection may also be used fordetecting ride initiation and/or ride termination events. In suchembodiments, when a driver is proximate to the Driver Assistance Systemlocated in the vehicle, for example a speaker, and a connection isestablished with the client terminal 203 of the driver, a rideinitiation event is detected. When a driver parks and the connectionwith the Driver Assistance System is depaired, for instance when thedriver leaves the vehicle and the area therearound, a ride terminationevent is detected.

As shown at 102, a current insurance rate is received, at the clientterminal from the central unit 203. The current insurance rate isoptionally presented to the driver, for instance using the display 207,for instance as depicted in FIG. 7A. The current insurance rate may be aper distance rate, for instance as depicted in FIG. 7A, a per ride rate,a per period rate and/or the like. The current insurance rate isoptionally received from the central unit 201, for example from a ratecalculation module 204 which determines a rate based on the user profileof the drive. The calculation is supported by processor(s) 208 of thecentral unit 201. Optionally, the GUI allows the user to apply theinsurance by a press of a button, for example by pressing start in FIG.7A. Optionally, the GUI allows the user to determine manually whether toapply the insurance for the ride and/or to change. Optionally, the usercan change the insurance setting and/or to select another insuranceoffer that may be presented to him.

As shown at 103, during the ride, driving parameter sensor parametersare gathered from driving parameter sensors. For instance, outputs ofsensors such as vehicle sensors, image sensors and/or accelerometers arerecorded by the client module 202.

Now, as shown at 104, ride termination event is detected, for example bythe client module. For brevity, a ride termination event covers any rideinsurance recalculation event. The ride insurance recalculation eventmay be an end of a period, a driven distance, a number of detected maldriving events, and/or a combination thereof. For instance, the clientmodule uses a GPS location change, a notification regarding ignitionfrom a vehicle subsystem, and/or a user interface input from a user todetermine the termination of the ride and/or a ride insurancerecalculation event. Termination may also be determined as describedabove.

As shown at 105, driving behavior parameters are calculated and scoredbased on the sensor parameters. This calculation and/or scoring mayoccur when ride termination and/or a ride insurance recalculation eventis detected and/or continuously during the ride for calculating a ridescore and/or ride rank. The calculation may be performed by a weighedfunction that takes into account a combination of the above describeddriving behavior parameters. The driving behavior parameters may belocally calculated on the client terminal 203 and/or sent for remotecalculation by the central unit 201. The calculation may be performed bya rate calculation module which may be part of the client module 202 orhosted by the client central unit 204.

Now, as shown at 106, after the ride termination and/or the rideinsurance recalculation event are detected, an insurance rate update tothe insurance rate is calculated based on the driving behaviorparameters and/or score.

As shown at 107, the insurance rate update is now displayed to thedriver, optionally together with the current charges for the ride and/orthe current insurance rate. This allows the driver to receive immediatefeedback about his driving behavior in the form on a cost decrease orincrease. For example, the insurance rate is a per-ride insurance rateand the presented update is for the per-ride insurance rate set for thenext ride. In another example the change is an insurance rate change ofan effect to an existing insurance rate. The presentation of theinsurance rate update and/or the insurance rate change only when theride is terminated allows avoiding unwanted distractions during the rideitself. For brevity, an insurance rate update and/or an insurance ratechange may be referred to interchangeably.

Optionally, the update is sent to the central unit 201 via the network205 for updating the respective user profile at the database 206, 217.

FIG. 4 depicts a flowchart of a method 300 personalizing a rate perdistance unit insurance based on driving behavior parameters of a driverduring a ride and presenting the insurance personalization outcome tothe driver immediately when the ride is over, according to someembodiments of the present invention.

First, as shown at 301, a ride initiation is detected, for instancebased on GPS location, vehicle subsystem data and/or user inputs asdescribed above.

Now, as shown at 302, an insurance rate per distance unit is calculatedbased on a user and/or vehicle profile, for example based on a userand/or vehicle data extracted from the respective user record of thedriver or the vehicle in the database 206. The distance unit may be oneor more meter(s), kilometer(s), mile(s), feet(s) and/or the like. Theinsurance rate per distance unit may be calculated based on a currentnavigation data for a driving route set for a ride with the vehicle bythe driver.

Optionally, environmental terms are also gathered, for example from aweather source and/or or from route analysis. The calculation may bedone locally by the client module 202 or remotely at the central unit201.

As shown at 303, driving behavior parameters reflecting driver behaviorare calculated based on driving parameter sensor parameters gatheredduring the ride, for example as described above. As shown at 304, atermination of the ride is detected as described above.

As shown at 305, an insurance cost for the ride is calculated accordingto a combination of a distance accumulated during the ride, for examplebased on navigation data, the insurance rate per distance unit. Forexample, as depicted in FIGS. 5A and 5B, are screenshots of exemplarypresentations of the insurance cost for the ride, for example inaddition with more related data, such as: distance travelled; rideduration; ride rating, optionally calculated based on the scores of thedriving behavior parameters, for instance calculated as described above;an insurance balance and/or the like.

Optionally, the insurance cost is combined with additional parameter(s)to present a total cost per ride. For example, the insurance cost iscombined with gasoline consuming data and value lost for the vehicle.

As shown at 306 an update to the insurance rate per distance unit iscalculated based on the driving behavior parameter. For example, anupdate to the insurance rate per distance unit is calculated accordingto the driving behavior parameters which have recorded during the rideand optionally according to the road parameter and/or environmentalterms. As shown at 307, the update to the insurance rate per distanceunit is presented to the driver in the vehicle in response to thedetection of the termination of the ride, for example by a wearabledevice, such as a head mounted display and/or a display of a Smartphone,a tablet, and an infotainment system installed in the vehicle.

Optionally, percentage of saving is also calculated and presented inresponse to the detection of the termination of the ride, for example inrelation to driving cost of previous rides of the driver or in relationto an average of driving cost of other drivers in the driven route or inroutes with similar characteristics. Optionally, only cost average ofsimilar drivers, for instance drivers in a common demographic sector, isused.

Optionally, as shown at FIG. 7B, during the ride a user is presentedwith a ride data, for instance the user is presented with the distance701 and the time 702 of a current insurance. Optionally, a GUI allowinga user to stop or pause the insurance, for instance 703, is presented tothe user. Optionally, when the ride ends a ride summary, a report ispresented to the user, for instance as depicted in FIG. 7C. This reportpresents ride insurance cost, ride distance, ride time, ride ratingand/or the like. Optionally, the user can receive a ride ratingbreakdown, as shown at FIG. 7D. The ride rating breakdown details thescore given to various driving behavior parameters such as calmness,smoothness, anticipation, and speed. The ride rating breakdown detailsobjective parameters which are not related to the driver behaviorhowever have effect on the cost, for instance traffic, time of day,weather, road conditions, car condition and/or the like. This data canbe gathered from the vehicle sensors and from external sources such as anavigation software, a web available server etc.

Optionally, the current insurance rate per distance unit or the updateto the insurance rate per distance unit may be calculated based on theprocessing of road condition parameters and/or environmental parameterswhich are gathered during the ride. For example, the road conditionparameters may be based on an analysis of outputs of a sensor located inthe car, such as accelerometer which records trembling of the vehicle indriven road may be analyzed to estimate of a road parameter such as abumpiness level. In another example, the road condition parameters maybe based on an analysis of outputs of an image sensor located in thecar, such as a camera imaging the road in front of the vehicle in drivenroad may be imaged processed to estimate of a road parameter such asflatness level, traffic level, road quality level, daytime, and/or thelike. The road condition parameters are related to road(s) driven duringthe ride and may be based on an analysis of map data. The road conditionparameters may be based on statistical analysis of recorded drivingdata, for example detecting accident prevalence, offences prevalence,and/or the like. Environmental parameters related to the environment atthe road(s) driven during the ride, such as time in day, Weather,average speed at location, and/or actual or estimated traffic may beextracted from navigation services, such as Google maps™ or Waze™, richsite summary (RSS) sources, and/or statistical analysis of recordeddriving data.

According to some embodiments of the present invention, a routeselection for navigation is calculated based on insurance rate perdistance unit calculated as described above. In such embodiment, routemay be weighted according to cost based on the insurance rate perdistance unit, optionally in combination with fuel consumption andvehicle value degradation data.

According to some embodiments of the present invention, the system 200is used for generating reports for the users, allowing them to learnabout changes in their insurance spending during a period of a week, amonth, a yearly quarter, or a year. As described above, the user profiledocuments historical data regarding rides and rates. This allowsgenerating detailed reports, for example with graphical or textualindications of trends and sending them or presenting them to the user.The report may be a basis for a periodic invoice which is generated tothe client. For instance FIG. 6 is a screenshot of an exemplary report(invoice) that details insurance cost per ride, according to someembodiments of the present invention. The report includes a tablewherein each row details the date, the distance, the duration, the riderate or score the user received based driving behavior parametersgathered during the ride, and the cost of a certain ride. The reportincludes a remark section for indicating exceptions.

The methods as described above are used in the fabrication of integratedcircuit chips.

The descriptions of the various embodiments of the present inventionhave been presented for purposes of illustration, but are not intendedto be exhaustive or limited to the embodiments disclosed. Manymodifications and variations will be apparent to those of ordinary skillin the art without departing from the scope and spirit of the describedembodiments. The terminology used herein was chosen to best explain theprinciples of the embodiments, the practical application or technicalimprovement over technologies found in the marketplace, or to enableothers of ordinary skill in the art to understand the embodimentsdisclosed herein.

It is expected that during the life of a patent maturing from thisapplication many relevant methods and systems will be developed and thescope of the term a unit, a network, and a module is intended to includeall such new technologies a priori.

As used herein the term “about” refers to ±10%.

The terms “comprises”, “comprising”, “includes”, “including”, “having”and their conjugates mean “including but not limited to”. This termencompasses the terms “consisting of” and “consisting essentially of”.

The phrase “consisting essentially of” means that the composition ormethod may include additional ingredients and/or steps, but only if theadditional ingredients and/or steps do not materially alter the basicand novel characteristics of the claimed composition or method.

As used herein, the singular form “a”, “an” and “the” include pluralreferences unless the context clearly dictates otherwise. For example,the term “a compound” or “at least one compound” may include a pluralityof compounds, including mixtures thereof.

The word “exemplary” is used herein to mean “serving as an example,instance or illustration”. Any embodiment described as “exemplary” isnot necessarily to be construed as preferred or advantageous over otherembodiments and/or to exclude the incorporation of features from otherembodiments.

The word “optionally” is used herein to mean “is provided in someembodiments and not provided in other embodiments”. Any particularembodiment of the invention may include a plurality of “optional”features unless such features conflict.

Throughout this application, various embodiments of this invention maybe presented in a range format. It should be understood that thedescription in range format is merely for convenience and brevity andshould not be construed as an inflexible limitation on the scope of theinvention. Accordingly, the description of a range should be consideredto have specifically disclosed all the possible subranges as well asindividual numerical values within that range. For example, descriptionof a range such as from 1 to 6 should be considered to have specificallydisclosed subranges such as from 1 to 3, from 1 to 4, from 1 to 5, from2 to 4, from 2 to 6, from 3 to 6 etc., as well as individual numberswithin that range, for example, 1, 2, 3, 4, 5, and 6. This appliesregardless of the breadth of the range.

Whenever a numerical range is indicated herein, it is meant to includeany cited numeral (fractional or integral) within the indicated range.The phrases “ranging/ranges between” a first indicate number and asecond indicate number and “ranging/ranges from” a first indicate number“to” a second indicate number are used herein interchangeably and aremeant to include the first and second indicated numbers and all thefractional and integral numerals therebetween.

It is appreciated that certain features of the invention, which are, forclarity, described in the context of separate embodiments, may also beprovided in combination in a single embodiment. Conversely, variousfeatures of the invention, which are, for brevity, described in thecontext of a single embodiment, may also be provided separately or inany suitable subcombination or as suitable in any other describedembodiment of the invention. Certain features described in the contextof various embodiments are not to be considered essential features ofthose embodiments, unless the embodiment is inoperative without thoseelements.

Although the invention has been described in conjunction with specificembodiments thereof, it is evident that many alternatives, modificationsand variations will be apparent to those skilled in the art.Accordingly, it is intended to embrace all such alternatives,modifications and variations that fall within the spirit and broad scopeof the appended claims.

All publications, patents and patent applications mentioned in thisspecification are herein incorporated in their entirety by referenceinto the specification, to the same extent as if each individualpublication, patent or patent application was specifically andindividually indicated to be incorporated herein by reference. Inaddition, citation or identification of any reference in thisapplication shall not be construed as an admission that such referenceis available as prior art to the present invention. To the extent thatsection headings are used, they should not be construed as necessarilylimiting.

1. A method for personalizing a per ride insurance rate, comprising:using at least one hardware processor of a client terminal located in avehicle driven by a driver for executing a code for: receiving a currentinsurance rate per distance unit calculated based on a user profile ofat least one of said driver and said vehicle; presenting said currentinsurance rate per distance unit on a display of said client terminal;identifying an initiation of said ride with said vehicle by said driver;calculating a plurality of driving behavior parameters reflecting driverbehavior during said ride according to outputs of at least one drivingparameter sensor mounted in said vehicle during said ride; identifying atermination of said ride; in response to the detection of saidtermination; calculating an insurance cost for said ride according to adistance accumulated during said ride and said current insurance rateper distance unit; calculating an update to said current insurance rateper distance unit according to said plurality of driving behaviorparameters; and presenting said update and said insurance cost on saiddisplay of said client terminal to said driver in said vehicle.
 2. Themethod of claim 1, further comprising: detecting a driving eventindicative of a driving behavior pattern during said ride according tooutputs of said at least one driving parameter sensor, and in responseto said detecting, presenting to said driver an estimated effect of saiddriving event on said insurance cost during said ride.
 3. The method ofclaim 1, wherein said plurality of driving behavior parameters comprisesa speed compliance calculated based on an analysis of velocity datagathered during said ride.
 4. The method of claim 1, wherein said atleast one driving parameter sensor comprises a plurality of drivingparameter sensors; wherein said plurality of driving behavior parameterscomprises a adaptation of the driving to road conditions calculatedbased on an analysis of a correlation between outputs of said pluralityof driving parameter sensors.
 5. The method of claim 1, wherein saidplurality of driving behavior parameters comprises a reaction timecalculated based on an analysis of image data gathered during said ridefrom said at least one driving parameter sensor.
 6. The method of claim1, wherein said at least one driving parameter sensor comprises apassenger compartment camera which images at least part of the passengercompartment space; wherein said plurality of driving behavior parameterscomprises at least one of a mirrors check frequency, shifting a roadgaze frequency, and a blind spot check frequency calculated based on ananalysis of image data during said ride from said passenger compartmentcamera.
 7. The method of claim 1, wherein said plurality of drivingbehavior parameters comprises at least one recorded driving behaviorreport documenting a vehicle driving violation during said ride, said atleast one recorded driving behavior report being uploaded by at leastone of a another driver and a law enforcement system.
 8. The method ofclaim 1, wherein said at least one driving parameter sensor comprises afront camera which images the space in front and/or back of saidvehicle; wherein said at least one driving parameter sensor comprises astopping room average calculated based on an analysis of image dataduring said ride from said front camera.
 9. The method of claim 1,wherein said at least one driving parameter sensor comprises a frontcamera which images the space in front of said vehicle; wherein said atleast one driving parameter sensor comprises at least one of a lanecompliance and a sign compliance calculated based on an analysis ofimage data during said ride from said front camera.
 10. The method ofclaim 1, wherein said at least one driving parameter sensor is selectedfrom a group consisting of an accelerometer, an image sensor, amagnetometer, a navigation system, an external insurance policyenforcement device, and a safety belt compliance sensor.
 11. The methodof claim 1, wherein said client terminal is a Smartphone set to bemounted in said vehicle during said ride.
 12. The method of claim 1,wherein said client terminal is a subsystem of said vehicle.
 13. Themethod of claim 1, wherein said current insurance rate per distance unitis received over a network from a central unit; further comprisingsending said update to said central unit for updating said currentinsurance rate per distance unit.
 14. The method of claim 1, whereinidentifying said initiation and identifying said termination isperformed by detecting a presence or an absence of wireless signal froman accessory of said client terminal.
 15. The method of claim 1, whereinidentifying said initiation and identifying said termination isperformed by detecting a pairing between an accessory of said clientterminal and said client terminal.
 16. The method of claim 1, furthercomprising calculating a ride cost for said ride based on a combinationof said insurance cost and at least one of gasoline consuming data andvalue lost for the vehicle estimation; wherein said presenting comprisespresenting said ride cost.
 17. The method of claim 1, wherein saidcalculating an update is performed based on road condition parameterswhich are associated with the condition of at least one road drivenduring said ride.
 18. The method of claim 1, wherein said calculating anupdate is performed based on environmental parameters reflectingenvironment condition during said ride at least one road driven duringsaid ride.
 19. A computer readable medium comprising computer executableinstructions adapted to perform the method of claim
 1. 20. The method ofclaim 1, further comprising generating a report which details saidinsurance with a plurality of characterizing features of said ride as arow in a table.
 21. A method for presenting insurance data, comprising:using at least one hardware processor of a client terminal located in avehicle driven by a driver for executing a code for: presenting on adisplay of said client terminal an insurance rate set for at least oneof said driver and said vehicle based on a plurality of driving behaviorparameters; identifying an initiation of a ride with a vehicle driven bya driver; gathering a plurality of driving parameter sensor parametersfrom at least one driving parameter sensor mounted in said vehicleduring said ride; calculating a plurality of current driving behaviorparameters reflecting a driver behavior during said ride according to ananalysis of said plurality of driving parameter sensor parameters;identifying a termination of said ride; automatically calculating anupdate to said insurance rate based on said plurality of current drivingbehavior parameters; and presenting said update to said driver in saiddisplay in said vehicle in response to the detection of saidtermination.
 22. A system for personalizing a per ride insurance rate,comprising: a database which hosts a plurality of user records, each oneof said plurality of user records documents a current insurance rate perdistance unit calculated for at least one of a driver and a vehicle;hardware processor for executing a code for: identifying an initiationand a termination of a ride with said vehicle by said driver and forgathering outputs of at least one driving parameter sensor mounted insaid vehicle during said ride, and a plurality of driving behaviorparameters reflecting driver behavior during said ride according to saidoutputs and configured to calculate an insurance cost for said rideaccording to a distance accumulated during said ride and said currentinsurance rate per distance unit; wherein said hardware processor isconfigured to calculate an update to said current insurance rate perdistance unit according to said plurality of driving behaviorparameters; and wherein said hardware processor is configured toinstruct a display of said client terminal to present; said currentinsurance rate per distance unit to said driver before said initiationand to present said update, and said current insurance rate per distanceunit and said insurance cost to said driver in said vehicle in responseto the detection of said termination.